Carding card replenishment system

ABSTRACT

A method and system of real-time replenishment and electronic confirmation of sale, such as a SMS text message, to a consumer responsive to purchase or referral of long distance calling minutes, including real-time replenishment of the customer&#39;s account, and seamless, pin-less use of the purchased long-distance from the user&#39;s chosen phone(s). A computer based server receives a phone number, monetary amount, and an indication of whether an increase or decrease to the balance is requested. Phone number is then compared with a stored list of registered phone numbers having a unique pin and a balance amount. The balance is increased or decreased by desired amount if comparison results in a match. If comparison does not result in a match a new pin is created associating the phone with the balance amount. A message is then sent containing an access number for use in pre-paid long distance calling.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a continuation-in-part of and claims priority topending U.S. application Ser. No. 12/702,342, entitled, “Real-TimeReplenishment for Sale of Prepaid Long Distance, filed Feb. 9, 2010,which is a non-provisional of U.S. Provisional Patent Application No.61/248,965, entitled, “Electronic Receipts and Real-Time Replenishmentfor Prepaid Long Distance Calling”, filed Oct. 6, 2009, which are herebyincorporated by reference.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The invention relates to real-time replenishment of prepaid longdistance accounts with electronic confirmation sent in response to apurchase or a referral of prepaid long distance calling.

2. Brief Description of the Related Art

Calling cards were first invented in the mid 1970's in Europe as a wayto pay for phone calls upfront, thus allowing calls to be made fromphone booths without using loose change or cash money. A calling card isa pre-paid card that allows a purchaser to purchase phone call minutesupfront and later redeem those minutes for use at a later time. Callingcards were first only available for making local calls. During the1980's calling cards expanded in the United States to make internationalphone calls. International calling cards enable a buyer to purchase acard with usage rates, which are country specific.

Traditional calling cards are similar to a credit card. They contain amagnetic strip which encoded the balance available on the calling card.Users would “swipe” the magnetic cards just like is commonly done with acredit or debit card purchase. In 1990 New York's Regional BellOperating Company created the first non-magnetic based calling card inthe United States. With non-magnetic based calling cards a user receivesa “PIN”, Personal Identification Number, as a means for identification.In order to make calls a user dials in an 800 number and enters his PINto make long distance phone calls. This process revolutionized the phonecard industry and helped catapult it into the large force it is today.

Despite the advantages associated with non-magnetic based calling cards,there are several disadvantages that persist. First, text on the cardscan be difficult to read and may wear off after constant contact withmaterials in a confined environment, such as a wallet or pocket. A usermay no longer be able to access their calling minutes if they cannotread the appropriate telephone number and PIN information. Second, theprocess can be inconvenient for users to complete a call and addadditional funds to an existing account. Specifically, users have to gothrough a lengthy process of dialing an 800 number, inputting a PINnumber on the card, and then get transferred to the number they wish tocontact. Finally, use of a physical card can be expensive to produce,create inventory problems and increase shipping costs for distributorsand retailers. In an effort to overcome some of these disadvantages someretailers have resorted to printing the required information on areceipt obtained from a retail store.

Receipts have some advantages over use of cards such as cutting down onproduction and shipping costs. Retailers also have less inventorymanagement that could potentially clog up space needed for sale of otherproducts. Yet, the receipt method still has some of the samedisadvantages as the card. Users still have to worry about being unableto access their accounts without the 800 number and PIN. In fact, usersmay “wear out” or lose track of the receipt easier than they would witha card. Once this information is lost the user will not be able torecover their account. Additionally, users still have to go through aprolonged process of entering PIN numbers whenever they want to makechanges or use their account.

Currently, there are several methods that attempt to address some of thecomplications associated with PIN and 800 numbers. Specifically, U.S.Pub. No. 2009/0202055 to Moon et al., U.S. Pat. No. 7,295,658 to Moon etal., U.S. Pat. No. 7,539,294 to Moon et al., and U.S. Pat. No. 6,873,690to Moon et al., herein incorporated by reference. While these methodsprovide solutions to problems associated with telecommunication issuesoccurring once a call is placed, they fail to address problemsassociated with confirmation of sale and replenishment concerns thatexisted in the prior art.

Presently, attempts to solve issues associated with confirmation of saleand replenishment concerns have failed to address some of the majorissues. For example, U.S. Pub. No. 2009/0202054 to Wick, hereinincorporated by reference attempts to alleviate some of the issuesassociated with card and receipt based confirmation of sale. Wickprovides a method of automated distribution and indexing of prepaidcalling card information comprising a central terminal operable toreceive a request to purchase prepaid telephone services from aninitiating terminal. A user may then decide to receive calling cardinformation through a number of different messaging means. Calling cardinformation contains a PIN number, access number, how much time has beenpurchased among other suitable information. While this method is a stepin the right direction it falls flat on a number of important featuresthat need to be addressed.

First, customers receive calling card information containing thetraditional calling card information. This information still requiresusers to dial an access number, enter a PIN associated with the phonenumber and keep track of the PIN number to prevent loss of pre-paid longdistance minutes. There exists a need for a receipt that enables a userto be able to use the access number without having to physically dialthe access number and enter a PIN.

Second, this method provides a one-time transaction with a customer.Each time a user wishes to replenish their pre-paid minutes they willhave to enter their contact information into a collection interface.Users will then receive a new receipt with a new PIN and access numberassociated with the latest transaction. Keeping track of the variousreceipts, PIN numbers and other information can become very tedious andtime consuming for consumers. There exists a need for a replenishmentmethod that allows repeat customers to be able to easily replenish theirminutes without each transaction becoming a one-time interaction.Furthermore there exists a need for a method that moves away from thetraditional PIN requirements and towards what are referred to in theindustry as “PINless” calling processes, like those discussed in theMoon patents.

Finally, this method lacks the ability to provide convenient incentiveprograms for existing consumers. Specifically, users who have alreadypurchased pre-paid calling minutes should be able to receive incentivesfor referring new users. Additionally, new users should be able toreceive an incentive bonus associated with participation in pre-paidcalling. Such an incentive program is only possible through a methodthat recognizes the difference between repeat and new customers.

Technology has advanced since the time pre-paid calling cards were firstused. Additionally, consumers are becoming more tech-savvy in operationof technical devices. One of the most recent advancements in technologyis messaging through cellular devices. While the most popular method ofmessaging through cellular devices is SMS messaging, other methods, suchas imessage, e-mail, enhance messaging service (EMS) and multimediamessaging service (MMS), exist. There exists a need for a pre-paid longdistance receipt of sale method that can utilize the technologicaladvancements in the messaging field. Specifically, there exists a needfor confirmation of sale and replenishment method that can be easilyaccessed from the message received. Additionally, there exists a needfor a method in receipt and confirmation of sale for pre-paid longdistance that eliminates the tedious and unneeded steps found in priorart.

However, in view of the art considered as a whole at the time thepresent invention was made, it was not obvious to those of ordinaryskill in the field of this invention how the shortcomings of the priorart could be overcome.

BRIEF SUMMARY OF THE INVENTION

The present invention allows a customer to purchase long distancecalling minutes without the need to physically take a calling card withthe person to deem the minutes. The present invention includes a methodand system of providing an electronic receipt to a consumer responsiveto a purchase of long distance calling minutes, real-time replenishmentof the customer's account, and seamless, PINless use of the purchasedlong-distance from the user's chosen phone(s).

In an embodiment, the method of real-time replenishment with electronicconfirmation in the sale of prepaid long distance includes receiving aphone number, a monetary amount, and an indication of whether the userwould like to add funds to their balance or receive a refund. The phonenumber is compared to a stored list of registered phone numbers. Each ofthe registered phone numbers in the list has a unique PIN assigned toit. A customer's balance amount is also associated with the unique PINand the registered phone number. If the comparison found no matchingregistered numbers in the stored list and if the customer indicated thathe would like to add funds to his balance, then a new PIN is created(and associated with the phone number). If the customer indicated thathe would like to add funds to his balance, then the balance amount forthe account associated with phone number is increased by the monetaryamount. If the customer indicated that he would like a refund, then thebalance amount for the account associated with the phone number isdecreased by the monetary amount. Then, a request having the phonenumber and a message to be sent to the phone number is sent to a server.The message sent to the phone number may include the access phonenumber, the monetary amount that was added or refunded, and/or thebalance amount.

A customer may dial the access number contained within the message bypressing or selecting a specified link relating to the access number.This prevents the customer from having to go through the arduous task ofhaving to dial the access number while referring back to the receipt.

If the comparison found no matching registered numbers in the storedlist and the customer indicated that he would like a refund then themethod may further include indicating an error message, which may bedisplayed to the customer. If the customer requests a refund and therefund results in the account balance being less than one cent, then themethod may further include destroying the unique PIN associated with thephone number.

In an embodiment, the system of real-time replenishment with electronicconfirmation in the sale of prepaid long distance includes a web portaloperable to perform the method described above. The system may furtherinclude a server operable to receive the request from the web portalhaving the phone number and a message to be sent to the phone number,parse the request into a SMS text message comprising the phone numberand a message to be sent to the phone number, and send the SMS textmessage to the mobile phone associated with the phone number.

In an additional embodiment, the method of real-time replenishment withelectronic confirmation in the sale of prepaid long distance includesreceiving a message having a PIN. The message will be associated withthe phone number from which the message was sent. The method furtherincludes determining if the PIN is valid, retrieving a monetary amountassociated with the PIN, responsive to a determination that the PIN isvalid, associating the monetary amount with the phone number, andsending a message to the phone number. Message may contain an accessnumber, account balance and amount added. If it is determined that thePIN is not valid, then the method may further include sending a messageindicating that the PIN is invalid.

Finally, this invention provides a method of real-time replenishmentwith electronic confirmation in the referral of prepaid long distancecalling. The method includes receiving a phone number and a referralphone number to a computer based server. The referred phone number iscompared to a stored list of registered phone numbers. Each of theregistered phone numbers in the list has a unique PIN assigned to it. Acustomer's balance amount is also associated with the unique PIN andregistered phone number. If the comparison of the referral phone numberto the list of registered phone numbers did not result in a match, aunique PIN is created (and associated with the phone number). Then, arequest having the referral phone number and a message to be sent to thereferral phone number is sent to a server. The message may include theaccess phone number, the monetary amount added as an incentive for thereferral and a balance amount.

The phone number responsible for sending the referral phone number mayalso receive an incentive. This is dependent upon a comparison of thephone number with the list of registered phone numbers. If thecomparison results in a match a request having the phone number and amessage to be sent to the phone number is sent to a server. The messagemay include the access phone number, the monetary amount added as anincentive for referral and a balance amount of the customer's account.

BRIEF DESCRIPTION OF THE DRAWINGS

For a fuller understanding of the invention, reference should be made tothe following detailed description, taken in connection with theaccompanying drawings, in which:

FIG. 1 is a flowchart of the method of real-time replenishment withelectronic confirmation in the sale of prepaid long distance inaccordance with an embodiment of the present in invention.

FIG. 2 is an exemplary block diagram of the functional interaction ofthe components used to provide SMS text receipts to cellular devices inaccordance with an embodiment of the present in invention.

FIG. 3 is a flowchart of another method of real-time replenishment withelectronic confirmation in the sale of prepaid long distance inaccordance with an embodiment of the present in invention.

FIG. 4 is an exemplary block diagram of the functional interaction ofthe components used to receive and process a PIN from a customer andissue a SMS text receipt in accordance with an embodiment of the presentin invention.

FIG. 5 is a flowchart of the method of receiving incentives forreferrals in the sale of pre-paid long distance in accordance with apreferred embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT

In the following detailed description of the preferred embodiments,reference is made to the accompanying drawings, which form a parthereof, and within which are shown by way of illustration specificembodiments by which the invention may be practiced. It is to beunderstood that other embodiments may be utilized and structural changesmay be made without departing from the scope of the invention.

The present invention includes a method of real-time replenishment inthe sale of prepaid long distance. After a transaction, includingcreation of a new account, adding funds to an existing account, orrefunding all or a portion of an existing account, the customer'saccount will be updated in real-time, allowing the customer to use theminutes just after purchasing them.

The method, which is illustrated in the flowchart of FIG. 1, includesreceiving a phone number, a monetary amount, and an indication ofwhether the customer would like to add funds to their balance or receivea refund to a computer based server (operation 105). The phone number iscompared to a stored list of registered phone numbers (operation 110).Each of the registered phone numbers in the list has a unique PINassigned to it. The customer's balance amount is also associated withthe unique PIN and the registered phone number. If the comparison foundno matching registered numbers in the stored list and if the customerindicated that he would like to add funds to his balance, then a new PINis created (operation 115) (and associated with the phone number(operation 120)). If the customer indicated that he would like to addfunds to his balance, then the balance amount for the account associatedwith phone number is increased by the monetary amount (operation 125).If the customer indicated that he would like a refund, then the balanceamount for the account associated with the phone number is decreased bythe monetary amount (operation 130). One of the key features of thisinvention is that the customer does not have to enter a PIN to accesstheir account. Instead, the information is stored on a computer basedserver so that the customer can simply indicate whether they wish toincrease or decrease their account from their mobile device with no needto memorize numbers.

If the comparison found no matching registered numbers in the storedlist and the customer indicated that he would like a refund, then anerror is indicated, and may be displayed to the customer (operation135). If the customer requests a refund and the refund results in theaccount balance being less than a predetermined amount, for example onecent, then the unique PIN associated with the phone number is destroyed(operation 140).

In an alternative embodiment a consumer may add funds to an existingaccount or establish a new account by including a pre-purchased PINnumber in the information sent to the computer based server. Apre-purchased PIN may be any PIN associated with a company's servicesoffered through traditional means, i.e., traditional calling cards andreceipts bought in retail stores. The process for this embodiment ismuch the same as the method illustrated in FIG. 1 with the addition ofreceiving a pre-purchased PIN. Once the pre-purchased PIN is receivedthe server will determine whether the pre-purchased PIN is valid. If thepre-purchased PIN is valid the monetary amount associated with thereceipt will be added to the customer's account. If the PIN is invalidno money will be added and a customer may receive a notificationindicating the invalidity.

This embodiment is best illustrated in FIG. 2. A customer may purchaseprepaid long distance services and receive a PIN. The PIN may be aseries of letters or numbers or a combination thereof For example, PINmay also be in the form of a promotional code. The customer then usesthe phone that he/she wishes to register with the prepaid long distanceservice to send a message containing the pin to a number designated bythe prepaid long distance service provider. Upon receipt of the message(operation 200), the PIN is validated (operation 205) to ensure that thePIN exists and has a monetary value associated with it (i.e. the PIN hasbeen paid for). If the PIN is invalid, a message is sent to thecustomer's phone number notifying the customer of the PIN's invalidity(operation 210). If the PIN is valid, the monetary amount associatedwith the PIN is retrieved (operation 215) and associated with the phonenumber (operation 220). A text receipt is then sent to the phone number(operation 225).

The present invention also includes a method of providing a consumerwith an electronic receipt of the customer's transaction when theypurchase or recharge prepaid long distance. Electronic receipts are afeature added to a website that provides the ability to send a virtualreceipt of the customer's transaction.

An electronic message, such as a SMS text message, imessage, email, orother messaging type is sent to a customer's mobile device to verifycompletion of transaction after a purchase or recharge of the prepaidlong distance service. The electronic receipt contains detailedinformation on the amount the customer purchased or recharged and theaccess number for use of the service. This electronic receipt may be inone or more languages. The consumer may opt-out of receiving theelectronic receipt or specify preferences in how to receive theelectronic receipt. One of the key distinctions of the present inventionis that a customer does not have to receive a PIN in the receipt becausethe PIN number is stored on a server and is associated with thecustomer's phone number. Another advantage associated with this methodis that a customer receives a linked access number in the message. Thisallows a customer to dial the access number contained within the messageby pressing or selecting the specified link relating to the accessnumber. This prevents the customer from having to go through the tedioustask of having to dial the access number while referring back to thereceipt.

In an implementation of the invention, a retail store takes andprocesses payment for the consumer. The retail store, in turn, sendspayment to the provider of the prepaid long distance service. In anotherimplementation, the website provides payment processing and the end usercan order prepaid distance services directly using the website or apoint of sale terminal, such as a kiosk located inside a retail store.

In an embodiment, the electronic receipts are SMS text messages that arerequested by a web portal. The web portal is used by the consumer oranother user, such as a convenience store clerk, to order long distanceminutes or request a refund. An example of the functional interaction ofthe components used to provide SMS text receipts is shown in the blockdiagram of FIG. 3. In this example, website 310 builds a message thatthe user of registered device 335 will read upon receiving the textmessage. Website 310 then calls an API method defined under Nitrogen WebServices Framework 315 to send the text message (operation 145 of FIG.1). The Nitrogen API method is written in PHP and builds HTTP request317 that is sent to a server hosting SMS gateway service 320. HTTPrequest 317 includes the text to be displayed, the phone number to sendthe text message to, and an Internet Protocol (IP) Address of the serverwhere SMS gateway service 320 runs. SMS gateway service 320 is providedby an open source Kannel software package. SMS gateway service 320 isthe link between SMS mobile providers and the Content Provider (theserver in which SMS gateway service 120 runs). SMS gateway service 320handles connections with SMS mobile providers and relays them onward ina unified form. Once SMS gateway service 320 receives HTTP request 317from the Nitrogen API method, it parses the request and sends theinformation to GSM Network 325 for SMS text message delivery throughmobile network 330 to registered device 325. It is noted that thereother known methods and processes that can be used to send and receiveSMS messages to and from mobile devices that may be utilized.

The electronic receipt sent to the registered device may include anyinformation pertinent to the transaction, including the monetary amountthat was added to an account, the current balance of an account, and theaccess numbers that the customer must dial to use the service. Eachelectronic receipt may include the text in one or more languages.

FIG. 4 shows an example of the functional interaction of the componentsused to receive and process a PIN from a customer and issue a SMS textreceipt. In this example, a customer uses phone 400 to text a PIN to adesignated phone number. The text message travels through cellularnetwork 405 and is received at SMS Gateway 410. Real-time replenishment(RTR) API 415 determines the validity of the PIN and the monetary amountassociated with the PIN, if any. RTR API 415 then communicates withNetIP Platform 420 and loads the user's phone number and the monetaryamount. RTR API 415 then communicates with the SMS Gateway 410 to send atext receipt to the customer.

The present invention also includes a method of providing customers andreferrals from the customers with incentives. Incentives are providedthrough an electronic receipt containing an access number. FIG. 5illustrates a preferred embodiment of the steps for performing themethod. The method includes receiving a phone number and a referralnumber to a computer based server (operation 502). Phone number iscompared to a stored list of registered phone numbers (operation 504).Each of the registered phone numbers in the list has a unique PINassigned to it and customer's balance amount. A determination is madewhether the phone number is registered (operation 506). If the phonenumber is registered a determination is made whether the referral numberis registered (operation 510). An error is indicated if the phone numberis not registered (operation 508). To determine whether a referral phonenumber is registered it is compared to a stored list of registered phonenumbers (510). In an alternative embodiment the method can involve goingstraight to determining whether the referral phone number is registered(operation 510). If the comparison found no matching registered numbersin the stored list, then a new PIN is created (operation 512) (andassociated with the referral phone number (operation 514)). Once theaccount is created a pre-determined monetary amount is added to thereferral phone number (operation 516). The pre-determined monetaryamount can range depending on current marketing incentives. In analternative embodiment the consumer who inputs the referral phone numbermay receive incentives.

An electronic message, such as a SMS text message, imessage, email, orother messaging type is sent to the referral phone number's mobiledevice to verify completion of referral (operation 520). In addition, amessage may be sent to the phone number that referred the referralnumber. The electronic receipt contains information on the amount thecustomer received and the access number for use of the service.

The computer readable medium described in the claims below may be acomputer readable signal medium or a computer readable storage medium. Acomputer readable storage medium may be, for example, but not limitedto, an electronic, magnetic, optical, electromagnetic, infrared, orsemiconductor system, apparatus, or device, or any suitable combinationof the foregoing. More specific examples (a non-exhaustive list) of thecomputer readable storage medium would include the following: anelectrical connection having one or more wires, a portable computerdiskette, a hard disk, a random access memory (RAM), a read-only memory(ROM), an erasable programmable read-only memory (EPROM or Flashmemory), an optical fiber, a portable compact disc read-only memory(CD-ROM), an optical storage device, a magnetic storage device, or anysuitable combination of the foregoing. In the context of this document,a computer readable storage medium may be any tangible medium that cancontain, or store a program for use by or in connection with aninstruction execution system, apparatus, or device.

A computer readable signal medium may include a propagated data signalwith computer readable program code embodied therein, for example, inbaseband or as part of a carrier wave. Such a propagated signal may takeany of a variety of forms, including, but not limited to,electro-magnetic, optical, or any suitable combination thereof. Acomputer readable signal medium may be any computer readable medium thatis not a computer readable storage medium and that can communicate,propagate, or transport a program for use by or in connection with aninstruction execution system, apparatus, or device.

Program code embodied on a computer readable medium may be transmittedusing any appropriate medium, including but not limited to wireless,wire-line, optical fiber cable, radio frequency, etc., or any suitablecombination of the foregoing. Computer program code for carrying outoperations for aspects of the present invention may be written in anycombination of one or more programming languages, including an objectoriented programming language such as Java, C#, C++ or the like andconventional procedural programming languages, such as the “C”programming language or similar programming languages.

Aspects of the present invention are described below with reference toflowchart illustrations and/or block diagrams of methods, apparatus(systems) and computer program products according to embodiments of theinvention. It will be understood that each block of the flowchartillustrations and/or block diagrams, and combinations of blocks in theflowchart illustrations and/or block diagrams, can be implemented bycomputer program instructions. These computer program instructions maybe provided to a processor of a general purpose computer, specialpurpose computer, or other programmable data processing apparatus toproduce a machine, such that the instructions, which execute via theprocessor of the computer or other programmable data processingapparatus, create means for implementing the functions/acts specified inthe flowchart and/or block diagram block or blocks.

These computer program instructions may also be stored in a computerreadable medium that can direct a computer, other programmable dataprocessing apparatus, or other devices to function in a particularmanner, such that the instructions stored in the computer readablemedium produce an article of manufacture including instructions whichimplement the function/act specified in the flowchart and/or blockdiagram block or blocks.

The computer program instructions may also be loaded onto a computer,other programmable data processing apparatus, or other devices to causea series of operational steps to be performed on the computer, otherprogrammable apparatus or other devices to produce a computerimplemented process such that the instructions which execute on thecomputer or other programmable apparatus provide processes forimplementing the functions/acts specified in the flowchart and/or blockdiagram block or blocks.

It will be seen that the advantages set forth above, and those madeapparent from the foregoing description, are efficiently attained andsince certain changes may be made in the above construction withoutdeparting from the scope of the invention, it is intended that allmatters contained in the foregoing description or shown in theaccompanying drawings shall be interpreted as illustrative and not in alimiting sense.

It is also to be understood that the following claims are intended tocover all of the generic and specific features of the invention hereindescribed, and all statements of the scope of the invention which, as amatter of language, might be said to fall there between.

Glossary of Claim Terms

Access Phone Number: an access number is the number long distancecalling consumers dial in order to access the system and use callingminutes or money associated with their account.

Account: refers to a personal business relationship established toprovide for regular services, dealings and other financial transactions.

Computer based server: a computer hardware system dedicated to runningone or more services. Services can vary from database server, fileserver, mail server, print server, web server, or various other typesservices achieved through a computer program.

Destroy: to permanently remove or delete.

Message: generally means an object of communication or vessel whichprovides information.

Monetary amount: an amount of material worth.

Phone number: string of numbers that associates a particular set ofnumbers with a particular phone or cell phone. The string of numbers canbe used by someone to dial or reach another telephone, cell phone orother electronic device associated with the specific string of numbersdialed.

PIN: stands for personal identification number. Generally, a pin is aseries of numbers and letters that are used to identify or associatedwith a specific entity or subject.

Pre-paid long distance calling: process of an individual exchangingmoney or payment upfront to make long distance phone calls in thefuture. Long distance phone calls can be local or international.

Pre-purchased: to acquire through purchase.

Registered phone number: a phone number in a stored list or record.

Referral: act of referring someone or something. To direct the attentionof someone to something or someone.

SMS: stands for Short Message Service. It is the text communicationcomponent of phone, web, or mobile communications systems that allowsusers to send and receive short messages between fixed line or mobiledevices. Currently, SMS text messaging is the most widely used dataapplication in the world for mobile phone subscribers.

Web portal: a site on the World Wide Web that brings information fromdiverse sources in a unified way.

What is claimed is:
 1. A computer-implemented method of real-timereplenishment with electronic confirmation in the sale of prepaid longdistance calling, comprising: receiving a phone number to a computerbased server, the phone number associated with a prepaid long distancecalling account, the account having a monetary balance; receiving amonetary amount to the server; receiving to the server an indication ofwhether an increase or decrease to the monetary balance of the accountis requested; comparing the phone number to a stored list of registeredphone numbers, each registered phone number having a unique pin and abalance amount; creating a new pin, responsive to the comparison notresulting in a match and receiving the indication that an increase tothe balance amount of the account has been requested; increasing thebalance amount of the account by the monetary amount, responsive toreceiving the indication that an increase to the balance amount of theaccount has been requested; decreasing the balance amount of the accountby the monetary amount, responsive to receiving the indication that adecrease to the balance amount of the account has been requested; andtransmitting from the server a request containing the phone number and amessage to be sent to the phone number, said message containing anaccess phone number; wherein said access phone number is for use in theprepaid long distance calling.
 2. The method of claim 1, furthercomprising: associating the new pin with the phone number.
 3. The methodof claim 1, further comprising: indicating an error responsive toreceiving the indication that a decrease to the balance has beenrequested and the comparison not resulting in a match.
 4. The method ofclaim 1, further comprising: destroying the unique pin associated withthe phone number responsive to receiving the indication that a decreaseto the balance has been requested and the balance amount being less thanone cent.
 5. The method of claim 1, wherein the message to be sent tothe phone number further comprises the monetary amount.
 6. The method ofclaim 1, wherein the message to be sent to the phone number furthercomprises the balance amount.
 7. The method of claim 1, wherein themessage to be sent to the phone number further comprises a link enabledaccess number for easy dialing of the access number.
 8. The method ofclaim 1, further comprising: receiving a pre-purchased pin to the serverprior to the step of receiving a monetary amount to the server;determining if the pre-purchased pin is valid; retrieving an additionalmonetary amount associated with the pre-purchased pin, responsive to adetermination the pre-purchased pin is valid; associating the additionalmonetary amount with the phone number.
 9. The method of claim 8, furthercomprising: sending a SMS message indicating that the pre-purchased pinis invalid to the phone number responsive to a determination that thepre-purchased pin is invalid.
 10. A system for real-time replenishmentwith electronic confirmation in the sale of prepaid long distancecalling, comprising: a web portal operable to: receive a phone number toa computer based server, the phone number associated with a prepaid longdistance calling account, the account having a monetary balance receivea monetary amount to the server; receive to the server an indication ofwhether an increase or decrease to the monetary balance of the accountis requested; compare the phone number to a stored list of registeredphone numbers, each registered phone number having a unique pin and abalance amount; create a new pin, responsive to the comparison notresulting in a match and receiving the indication that an increase tothe balance amount of the account has been requested; increase thebalance amount of the account by the monetary amount, responsive toreceiving the indication that an increase to the balance amount of theaccount has been requested; decrease the balance amount of the accountby the monetary amount, responsive to receiving the indication that adecrease to the balance amount of the account has been requested; andtransmit from the server a request containing the phone number and amessage to be sent to the phone number, said message containing anaccess phone number; wherein said access phone number is for use in theprepaid long distance calling.
 11. The system of claim 10, wherein theserver is operable to: receive the request from the web portalcomprising the phone number and a message to be sent to the phonenumber, parse the request into a SMS text message comprising the phonenumber and the access number to be sent to the phone number, and sendthe SMS text message to the mobile phone associated with the phonenumber.
 12. The system of claim 10, wherein the server is operable to:receive a pre-purchased pin to the server prior to the step of receivinga monetary amount to the server; determine if the pre-purchased pin isvalid; retrieve an additional monetary amount associated with thepre-purchased pin, responsive to a determination the pre-purchased pinis valid; associate the additional monetary amount with the phonenumber.
 13. A method of providing incentives for referrals withelectronic confirmation in the sale of prepaid long distance calling,comprising: receiving a phone number associated with a prepaid longdistance calling account, the account having a monetary balance;receiving a referral phone number to the server; comparing the referralphone number to a stored list of registered phone numbers, eachregistered phone number having a unique pin and a balance amount;creating a new pin, responsive to the comparison not resulting in amatch and receiving the indication that an increase to the balanceamount has been requested; sending a request through the server, therequest containing the referral phone number and a message to be sent tothe referral phone number; said message containing an access phonenumber and a monetary amount; wherein said access phone number is foruse in the prepaid long distance.
 14. The method of claim 13, furthercomprising: indicating an error responsive to the comparison of thereferral phone number resulting in a match.
 15. The method of claim 13,further comprising: comparing the phone number to a stored list ofregistered phone numbers, each registered phone number having a uniquepin and a balance amount; indicating an error responsive to thecomparison of the phone number not resulting in a match; sending arequest through the server, the request containing the referral phonenumber and a message to be sent to the referral phone number; saidmessage containing an access phone number and a monetary amount; whereinsaid access phone number is for use in the prepaid long distancecalling.
 16. The method of claim 13, wherein the monetary amount is thebalance amount.
 17. The method of claim 13, further comprising:associating the new pin with the referral phone number.